Frankenmuth vs. Western Reserve Group: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for auto insurance, Western Reserve Group offers significantly cheaper premiums than Frankenmuth
• Western Reserve Group tends to be a much less expensive option for drivers who have below-average credit
• Western Reserve Group has more affordable prices for policyholders who live in suburban areas

Frankenmuth or Western Reserve Group: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. With so many ads from all sorts of companies offering large savings, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed your search down to Frankenmuth or Western Reserve Group as your top options, but between the two, which company will save you the most?

As you can see, Frankenmuth has average rates that are around 55% a month more expensive than those from Western Reserve Group when looking at the national average rates for car insurance.

That being said, that doesn't mean Western Reserve Group will necessarily be less expensive than Frankenmuth for every driver. Insurance carriers vary their premiums depending on things like how good your credit score is, how clean your driving record is, how old you are, where you live, and a variety of other factors. So, at the end of the day, prices from every company will differ quite a bit from person to person.

So, if you want to find out which of Frankenmuth or Western Reserve Group is really the best for you, keep reading to see average rates for each carrier broken down by many different rate factors.

Frankenmuth vs. Western Reserve Group: Average Car Insurance Rates by State

Frankenmuth and Western Reserve Group only compete against each other in one states, with Western Reserve Group offering more affordable premiums to the average driver in all of them. Ohio has the most noticable difference, where Western Reserve Group rates are $20 cheaper than auto insurance prices at Frankenmuth.

That being said, there are plenty of other factors that go into your insurance payment than just where you call home. Continue reading to learn more about how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance rates of any other group of drivers. Normally, that's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. As you can see above, teens who use Western Reserve Group save almost 60% per month compared to those who use Frankenmuth.

Even so, both companies will decrease prices by the time you turn 25. For example, average rates for Frankenmuth policyholders drop over 55% and Western Reserve Group's prices lower nearly 50% over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll generally enjoy the cheapest car insurance premiums you can find. You've been on the road for years, and all that experience pays off when it comes to your monthly rates for insurance.

So, which company offers the best prices to retired drivers? Western Reserve Group gets the edge here, with average premiums coming in at about $107 a month compared to Frankenmuth's $215.

Which is the Best Company for Married Drivers?

Did you know that auto insurance prices are typically more expensive for single drivers than they are for married couples? This usually boils down to married drivers having several vehicles on their policy -- something lots of car insurance carriers will reward with discounts.

For those who are single, the difference in average premiums between these two companies is significant, with Western Reserve Group rates coming in at around half of Frankenmuth's. The advantage is also clear for married policyholders - Western Reserve Group offers the most affordable average prices.

Frankenmuth or Western Reserve Group: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents. That means when it comes to auto insurance men will usually end up paying a little more.

Women typically pay about $6 a month less than men with Frankenmuth, but surprisingly, with Western Reserve Group, women usually pay around $2 per month more than men.

Looking at overall affordability, Western Reserve Group comes out on top for both men and women, with average premiums $185 less for men and $177 cheaper for women.

Frankenmuth vs. Western Reserve Group: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

For most people, car insurance isn't the easiest topic to understand. Everyone needs insurance, but there are so many different coverages and limits that it can be hard to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (that covers bodily injury and property damage for other drivers and passengers if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside what you get with a liability policy).

Looking specifically at state minimum limits for liability insurance, Western Reserve Group has the significant edge, with average monthly rates coming in at $94. If you want a full coverage policy with the same state minimum limits, Western Reserve Group again has the edge, with policies averaging about $180 a month to Frankenmuth's $422.

Is Frankenmuth or Western Reserve Group Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their car insurance. But that's not to say you can't save money if you don't have the best driving record, either.

You'll probably end up paying more with at-fault collisions and speeding tickets on your record, but which of these two carriers offers the lowest premiums to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Frankenmuth for their auto insurance can usually expect their monthly bill to go up around 30% after getting a speeding ticket. Western Reserve Group policyholders can expect a less drastic increase of about 28%.

However, Western Reserve Group is normally the less expensive option for both drivers who have clean records and those with a recent ticket, offering rates that are $85 and $125 more affordable, respectively, compared to Frankenmuth Insurance.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Frankenmuth can expect to see around an $41 -- or about 19% -- rise in their car insurance prices. Drivers who use Western Reserve Group for their insurance will see a monthly bill around $32 (or 27%) more expensive after reporting an accident to their auto insurance carrier.

At the end of the day, the cheaper rates come from Western Reserve Group, with average premiums coming in at $120 compared to Frankenmuth Insurance's $214.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your car insurance bill. Frankenmuth drivers usually see a 73% increase in their auto insurance prices after a DUI charge, while Western Reserve Group will generally climb rates by about 60%.

But if you end up with a DUI charge and are looking for more affordable prices, Western Reserve Group tends to be more affordable for the average driver, with monthly premiums coming in at around $218 to Frankenmuth's $637.

How does Credit Score Impact Frankenmuth and Western Reserve Group Rates?

Did you know many insurance companies take into account your credit score when determining premiums? This isn't true for everyone (Michigan, for example, has banned the use of credit score as a car insurance factor) but it does affect many drivers out there.

Auto insurance carriers argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, policyholders with bad credit will often be forced to pay more.

So, which company offers the cheapest rates for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Frankenmuth or Western Reserve Group Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in your monthly premiums. Typically, the more milage you put on your vehicle, the more you can expect to pay for coverage.

In this case, neither Frankenmuth or Western Reserve Group report increasing prices for drivers with higher annual mileage figures. That being said, Western Reserve Group comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car annually, with average premiums of $137 per month for both.

Frankenmuth or Western Reserve Group: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for insurance, but the type of area you live in can have a considerable impact as well. Generally, if you live in an urban area with more cars on the road, you'll pay a little more for car insurance, while the opposite is true for people in rural areas.

When comparing these two companies side-by-side, Western Reserve Group normally comes out as the lowest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

If you live in a rural area, you can expect to pay about $125 per month with Western Reserve Group and $266 with Frankenmuth. People in suburban areas pay around $139 with Western Reserve Group compared to Frankenmuth's $288 monthly. In urban areas, Western Reserve Group's average prices are about $147 while Frankenmuth offers rates around $399.

Frankenmuth vs. Western Reserve Group Discounts

No matter why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by utilizing as many car insurance discounts as possible.

The difficult part is finding all of the discounts you're eligible for, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and looked at all of the different discounts Frankenmuth and Western Reserve Group offer their customers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Both carriers offer excellent discounts like advance quote discounts, distant student discounts, and renewal discounts.

Final Thoughts: Is Frankenmuth or Western Reserve Group Best for You?

You've seen the role certain factors have on your insurance and the different discounts companies offer. But, when it comes down to it, which company is the right one for you and your specific driver profile?

Western Reserve Group might be best for you if....

• Your credit is below-average.
• You want the most robust protection via a "full coverage" policy.
• You are purchasing your car insurance with a spouse.

Frankenmuth might be best for you if...

• You have a more unique driver profile than those we mentioned above.

Hopefully, this guide helps you get a good idea of the differences between Frankenmuth and Western Reserve Group and that it aids in making a more informed decision about your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from several carriers, not just Frankenmuth and Western Reserve Group. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP code below and get free quotes from dozens of the top car insurance companies in your area, all in just a few minutes.

Frankenmuth vs. Western Reserve Group FAQs

Is Frankenmuth or Western Reserve Group cheaper?

Western Reserve Group is the cheaper of the two carriers when looking at national average premiums, with policies averaging $137 a month with Western Reserve Group and $318 for Frankenmuth. But that doesn't mean Western Reserve Group will be the most affordable carrier for everyone, since there are multiple different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Frankenmuth or Western Reserve Group?

Sadly, the only answer we can give you is "it depends.". No one company is necessarily "better" for each policyholder -- it all comes down to what your unique insurance profile looks like.

Why do Frankenmuth and Western Reserve Group offer me different rates?

Auto insurance companies use quite a few different factors when calculating the rates they charge. Things such as age, gender, your driving record, where you call home, and sometimes even things like your credit score can all come into play. Both Frankenmuth and Western Reserve Group calculate prices differently, so it's likely they'll offer different rates. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from a range of different carriers.

How do I know if Frankenmuth or Western Reserve Group is right for me?

The only way to find the car insurance company that's right for you is by getting quotes from a handful of companies and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your information once and you'll get quotes from dozens of your local top insurance carriers for free. With those, you can guarantee you're getting the best rate. And maybe you'll find that the best carrier for you isn't Frankenmuth or Western Reserve Group at all, but another you hadn't even thought of!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.